Insurance regulators and consumer advocates are in denial regarding the problems caused by regulations and subsidies in the Texas homeowners’ and windstorm insurance markets. This presentation given at the Heritage Foundation examines the problems and how to remedy them.
Property Rights
Restoring Private Property Rights: Regulatory Takings
Municipal regulations like zoning ordinances can infringe on private property rights and distort the housing market. Key points: Private property rights are under threat from municipal zoning ordinances and design mandates. Texas law has failed to adequately protect property owners from regulatory takings. By closing the municipal loophole, Texas can be the national leader in...
April 6, 2026